Name: Oscar
Rating: 4.3

star star_border star_border star_border star_border

Lucia Krause San Antonio, TX

Not only do they barely cover anything even when you've got a Gold plan, there are so many drugs they won't cover as well. For what I'm paying, I could have just saved and negotiated prices without insurance to doctors. Thanks to the ACA I was required to get insurance or be penalized. I hate our healthcare in the USA.

7 years ago

Reply from Oscar

Hi Lucia – we’re sorry to hear you’re frustrated with your plan. Due to privacy laws we're unable to discuss the specifics of your private health info here but know that for all health plans, preventive services are covered in full, but any non-preventive services will be subject to the deductible. Depending on the plan you’ve chosen, you may be subject to the full negotiated rate for prescriptions and services until the deductible is met. As always, if you have questions or would like help from your team, call us at 855-OSCAR-55 or send us a message via your account or the Oscar app.

Sep. 4th, 2018

star star_border star_border star_border star_border

Amanda San Antonio, TX

My mother is currently in the hospital and will be discharged soon. Oscar is refusing to accept a payment from her so her insurance will be reinstated. Oscar is refusing to pay for home health care and physical therapy. BOTH of which she needs.

7 years ago

Reply from Oscar

Hi Amanda, we're very sorry to hear about this and we'd like to look into this further. If you’re comfortable, message us your Oscar ID number and someone from our team will be in touch to help. You can also call us directly at 855-OSCAR-55 or by sending a secure message from your account or the app at anytime.

Oct. 24th, 2018

star star star star star_border

Alan H Brown

Online portal is good. Customer service is good. Selection of Doctors OK. Need better contracted rates...office visit too high.

7 years ago

Reply from Oscar

Hi Alan, we apologize for the frustration. While we do have negotiated rates with all of our in-network providers, these rates vary by service and provider. We're unable to speak on rates that providers have with other insurers, but rest assured that all of our providers work off of a pre-negotiated fee schedule. Please don't hesitate to give us a call with any questions or concerns: 855-OSCAR-55.

Apr. 19th, 2018

star star_border star_border star_border star_border

K Brooklyn, NY

Un-effing-believably bad. Get ready for no help, no information, nothing covered, and nobody at the company who knows jack about anything. Not sure if it's helpful if you're hit by a bus, but everything short of that is pretty much not covered.

7 years ago

Reply from Oscar

Hi K, we’re sorry to hear you’re frustrated and would like to help resolve any issues you’re having. Know that if you’ve signed up for a high-deductible plan, preventive services are covered in full, but any non-preventive services will be subject to the deductible. This means that you'll be responsible for the full negotiated rate of those services up until the amount of your deductible is met. For questions on your plan or billing, if you need to find a doctor, or want information about costs prior to scheduling an appointment, our Concierge team is here to help. When you call or send a message through the Oscar app you’ll be connected to the same people every time. If you’d like, we’d also be glad to reach out to you directly. In that case, please email your member number to or call us at 855-OSCAR-55 to connect with our team.

Jul. 9th, 2018

star star_border star_border star_border star_border

Kerry Los Angeles, CA

Not happy with Oscar. The doctors list is NOT updated and slim. In California. I had to call my old Doctor and ask ? Oscar then added him to their “find a Doctor list” They dont cover a full blood panel when getting a physical like most. They hardly cover any general issues! Everything is extra. Terrible customer service.

7 years ago

Reply from Oscar

Hi Kerry, we’re sorry to hear you’re frustrated. We do our best to keep provider data up to date, but there are sometimes changes made on the provider side that we aren’t made aware of which can cause discrepancies in the data. In cases like this, just let us know like you did and we’ll be happy to update the information accordingly. As for coverage of a blood panel when getting a physical, these services should be covered under the benefits of your plan as long as they’re sent to an in-network lab. It’s possible that your provider is referring to preventive services being covered-in-full in which we follow the U.S. Preventive Services Task Force (USPSTF) recommendations for preventive services. Any preventive lab work done in conjunction with an annual physical will be covered in full with all Oscar plans. Any non-preventive lab work will be generally be covered, but subject to the cost-sharing of your plan (copay, co-insurance, or deductible). For more information on preventive services, you can check out the USPSTF guidelines here: or as always, please don’t hesitate to give us a call at 855-OSCAR-55. We’re always happy to help in any way we can.

Apr. 6th, 2018

star star_border star_border star_border star_border

Karen Avon, OH

This is a horrible company...their customer service is the worse! I have been trying to get a refund for the last 3 months. I have been told 3 times my check is in the mail...well, I still have not received any money!! After 10 calls, still no refund! Horrible customer service!!!

8 years ago

Reply from Oscar

Hi Karen, we're sorry to hear this. If you're comfortable doing so, please message us your Oscar ID number and we'll be happy to have our team look into this further. Apologies for the frustration.

Mar. 13th, 2018

star star_border star_border star_border star_border

Louisa San Antonio, TX

I chose the wrong insurance policy. Horrible is the word. Read the small print when searching for plans. It gives you the persuading benefits of AFTER deductible is met. Everything is 100% to MY cost. Might as well not have insurance. Cant change my plan since it's not open enrollment.

8 years ago Edited September 14, 2021

Reply from Oscar

Hi Louisa, we're sorry to hear your unhappy with your plan choice. All of our plan structures can be found on our site here: . For more in depth information, you can click "Compare plan features" for detailed information on how coverage on each plans work. You also should have received information on the cost-sharing/deductible of your plan both upon enrollment and in your member welcome kit that included your ID card. We're also always here to help you understand your benefits, so please don't hesitate to reach out to us: 855-OSCAR-55.

Mar. 5th, 2018

star star_border star_border star_border star_border

Mark Turberfield Brentwood, TN

Don't be fooled by all the fancy apps and simplistic design. Oscar is super expensive, has high deductibles you will never meet in the year and when you do need a doctor who is in network prepare to go to the worst doctors in the city. Also Liberty Dental what a joke.

8 years ago

Reply from Oscar

Hi Mark, we're sorry to hear you feel this way. Jillian, one of your concierge specialists, has sent you a secure message to see how we can help. Please don't hesitate to let her know if there's anything we can do to assist.

Feb. 23rd, 2018

star star_border star_border star_border star_border

Thomas Parker Cedar Creek, TX

Horrible company. Was lied to the entire time i was signing up. For the $1100.00 a month I pay for this insurance I should be able to find a doctor in my area I was told when I signed up that my doctors are in coverage. And I gave them a list of medications I take and was told that they where covered. They are not covered.

8 years ago

Reply from Oscar

Hi Thomas, we're very sorry to hear this. Due to privacy laws, we're unable to discuss your private health info here, but give us a call at 855-OSCAR-55 or send us a message via your Oscar profile and we'll be happy to look into this and help in any way we can.

Feb. 2nd, 2018

star star_border star_border star_border star_border

Dissatisfied Potential Costumer

I would like to send my gratitude to the rude repesentativewho hange up the phone on me when I said I was not available to talk because i was eating lunch. Ended up not getting your service because of that and I hope you reprimand your staff to be more courteous to people. Potential costumer lost here. Well done!

9 years ago Edited September 14, 2021

star star_border star_border star_border star_border

Dissatisfied Potential Costumer

I would like to send my gratitude to the rude repesentativewho hange up the phone on me when I said I was not available to talk because i was eating lunch. Ended up not getting your service because of that and I hope you reprimand your staff to be more courteous to people. Potential costumer lost here. Well done!

9 years ago

star star_border star_border star_border star_border

Meagan Brus Astoria, NY

They seem to lose information often and take FOREVER to process claims (still waiting for mine almost 5 months later, while receiving collection demands from the provider). Dollar amounts owed change at random. Nothing is made clear on plan documents or when calling customer service. Terrible.

9 years ago

star star_border star_border star_border star_border

David Chirls Brooklyn, NY

The absolute worst health insurance company imaginable. I'm a 60 year old man who has dealt with 10 health insurance companies during my lifetime. Their customer service is horrible, compliance is a joke and concern for the customer is non-existent. I'm dealing with the Attorney General of NY to resolve my issues.

9 years ago

star star_border star_border star_border star_border

andrea Springfield, NJ

BE AWARE PEOPLE. This insurance company is a big scammer in the market. if you visit their so called "In Network Doctor" they send testing (like blood, urine) to out of Network labs without telling you and decline the claim. I would say stay away with this insurance company.

9 years ago

star star_border star_border star_border star_border

John Jung Great Neck, NY

HiOscar has the tendency to bill you monthly then suddenly demand 6X the price for no reason. I didn't even use my plan. They spelled my name wrong, and got my address wrong from day one and it's still NOT fixed. I cancelled them. DO NOT BOTHER SIGNING UP.

9 years ago

star star_border star_border star_border star_border

Oscar UNMember Plano, TX

They hardly have providers and experienced tough time and also got delayed for my treatment because of lack of providers and all they have is only BAYLOR/SCOTT and WHiTE network who are expensive. I will be changing the insurance the first chance i get.

9 years ago

star star star star star

wendy mccarthy

I love my Oscar plan health insurance. So far thanks God I have been very healthy and able to afford my health insurance

1 year ago

star star star star star_border

Tiauna Anderson Salt Lake City, UT

I love Oscar insurance primarily because of their customer service. You never get the "runaround" and they make you feel like a priority as a customer.

5 years ago Edited September 14, 2021

Reply from Oscar

We're so happy to hear this, Tiauna!

Sep. 8th, 2020

star star star star star

Rebekah Armstead

I'm very happy with my plan, I'm happy for the representative who help me

11 months ago

star star_border star_border star_border star_border

D. Warden Los Angeles, CA

As a therapist, Oscar pays the therapist, requests notes 6 months later, and then often denies the claims entirely, leaving the client with the full bill. I no longer accept Oscar insurance at my practice.

2 years ago

star star star star star

Medard Etienne Dacula, GA

So far, we phave been happy with Oscar. It is much, much better than my wife’s insurance .

2 years ago

star star_border star_border star_border star_border

Chloe Munyon Bryn Athyn, PA

I just got this insurance and already nobody will answer emails or calls. All I need was to know a time frame of something and nobody has the answers. I do not recommend this insurance to anyone.

3 years ago

Reply from Oscar

Hi Chloe, we are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message.

Oct. 14th, 2022

star star_border star_border star_border star_border

Christopher Allen Delaware, OH

AWFUL.. slow service.. I was sold a policy that was not accepted at Urgent Care in the town I live in yet Oscar knew my address.. had reaction to wasp sting - coverage was denied and appeal was denied....SHOP OTHER INSURERS

3 years ago

Reply from Oscar

Hi Christopher, we are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message.

Sep. 7th, 2022

star star_border star_border star_border star_border

Josh Merrill Chino, CA

I like nothing about Oscar health. They have sent me to closed clinics, no specialists take them, most urgent care centers don't that all their phone numbers are disconnected. Terrible

4 years ago

Reply from Oscar

We are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message so that we may look into this for you.

Feb. 15th, 2022

star star_border star_border star_border star_border

Darrin Mack Apache Junction, AZ

They pay NOTHING. Oscar is receiving over 2k a MONTH from the government (healthcare marketplace) on my behalf.....and they REJECT most in network doctor visits/exams/treatments. DO NOT CHOSE THIS COMPANY!!!!!

4 years ago Edited November 19, 2021

Reply from Oscar

Hi there, we're sorry to hear about your recent experience with us. Please check your inbox for a message from our team.

Sep. 24th, 2021

star star_border star_border star_border star_border

Michael Rademacher Lake Grove, NY

ridiculous how you can raise premiums as much as you do every year, if you raise them again next year I will not be part of it. I do love the amazon steps program, makes me get my steps in cause who doesn't love free stuff.

4 years ago

Reply from Oscar

Hi Michael! Thank you for sharing your feedback with us. We understand that keeping costs low is important to our members. Our plan design team is always looking for ways to bring reduced health care services to you.

If you have any remaining questions, our team would be happy to help. Just DM us with your Oscar ID number to get started.

Aug. 24th, 2021

star star star star star

Wendy Lynch Avon Lake, OH

The app is simple to use. Interaction with the company has been professional and helpful.

4 years ago

Reply from Oscar

Glad to hear you're enjoying your Oscar experience, Wendy!

Aug. 24th, 2021

star star star star star

Christian Baird Roanoke, TX

good app - points for steps...but they keep raising the step bar...upsets me on that end.

5 years ago

Reply from Oscar

Thank you for your feedback, Christian! We'll make sure to share this with our team.

Aug. 25th, 2020

star star star star star

Syah Johan Warwick, NY

Most of the doctors are nice. They answer my questions and have quick response times.

5 years ago

Reply from Oscar

Hi Syah, we're so happy to hear that! Please let us know if you ever have any questions.

May. 22nd, 2020

star star star_border star_border star_border

B-dog San Antonio, TX

Most doctors, hospitals, and urgent care do not accept Oscar. I end up having to pay out of pocket and it does not count towards my ridiculously high deductible.

5 years ago

Reply from Oscar

Hi there, we are sorry for the frustration this experience has caused. Our team is consistently evaluating our partnerships with providers to ensure our members have access to care in all of our markets. We'd like to follow up and have sent you a direct message with more information.

May. 22nd, 2020

star star star star star_border

James Simon New York, NY

Least expensive comprehensive health care I can find. We should have Medicare For All so this isn't necessary.

6 years ago

star star_border star_border star_border star_border

Alayou Seboka Houston, TX

I complete my registration and premium payment for oscar. I received an email "your enrollment is almost done" and send me the receipt for the payment, but you are not allow me to log in the app.

6 years ago

Reply from Oscar

Hi Alayou, thanks for choosing Oscar! Your Concierge team would be happy to help you out with this. Please give the team a call today at 855-672-2755 to get started.

Dec. 6th, 2019

star star star star star

Mehrdad Los Angeles, CA

One of the good insurance provide, very affordable price and great online service and website

6 years ago

star star star star star_border

LORELEI SMITH Converse, TX

The website information regarding Oscar doctors is user friendly though I learned not always up to date & accurate.

6 years ago

star star star star star

Tara Ozanyan Los Angeles, CA

Working with Oscar Insurance has been incredibly easy and makes scheduling a breeze!

6 years ago

star star star star star_border

mark eichenseer Columbus, OH

I like the resources and support. I do not like the increase cost each year of monthly premiums and out of pocket max.

6 years ago Edited September 14, 2021

star star star star star

Emilie Beverly Hills, CA

I am really happy with Oscar. Everything is easy and I’ve seen the best doctors and specialists.

6 years ago

star star star star star_border

Christina Esmahan Austin, TX

I've enjoyed being with Oscar. They are friendly and their app is good. Wish they convered more on allergies.

6 years ago

star star star star star

Mike Dover, OH

It’s been good The network is the best and it was easy to get a primary care physician.

6 years ago

star star star star star_border

Tom Austin, TX

So far I have had no problems with Oscar insurance . Other than being limited to Quest labs it has been good insurance.

6 years ago

star star star star star_border

Rosa Kissimmee, FL

Great rates! It’s a great insurance very affordable and they provide a lot of great services via internet

6 years ago

star star star star star_border

Katie Bay Shore, NY

I love the smartphone app! Very easy to use! Customer service is great at answering/explaining any questions I have.

6 years ago

star star star star star

Jen Converse, TX

I like Oscar. I especially like the doctor on call option because it helps me when I need it most.

6 years ago

star star star star star

Alan Cheng Austin, TX

Great insurance company, easy to sign up. Informative brochures and the app makes things easy.

6 years ago

star star star star_border star_border

Peggy B. Sag Harbor, NY

Customer service was very helpful in initial sign up process. Had an excellent experience when I needed to find a doctor in my area.

6 years ago

star star star star star

Brittani Austin, TX

Oscar is very user friendly, clear on what you’re receiving and how to implement.

6 years ago

star star star star_border star_border

Jason Sorrento, FL

Seems to be a normal working Insurance company. The rates are high as are most anymore. Minimal benefits for the monthly bill.

6 years ago

star star star star_border star_border

Laurie M. Wickliffe, OH

Very High Premium and deductible. Selection of Providers is very good. Customer service has been very good. The website is simple and easy.

6 years ago

star star star star_border star_border

Gili Coram, NY

Plan is Ok except for prescription copays. They are very confusing; I never know what I'm going to pay... Veven for same medication.

6 years ago

star star star star_border star_border

Chantel Gilbert North Olmsted, OH

Scheduling through Oscar is difficult. It’s easier to contact doctors directly or go through Cleveland Clinic website.

6 years ago